Mostly MMM 4 (Medium rural towns): 63 per cent of 15,536 addresses. The rest is MMM 5 (37 per cent).
The dominant category is Medium rural towns (MMM 4). MMM 2023 is assigned by ABS Mesh Block 2021, so an individual address can differ from the postcode's dominant category. The locality data names Kempsey as the representative suburb for 2440, which can include more than one locality.
The address nearest the centre of postcode 2440 is in the Kempsey local government area.
Suburbs in 2440
Suburbs recorded for NSW. For postcodes spanning states, this list covers the state with the most addresses.
- Aldavilla
- Austral Eden
- Bellbrook
- Bellimbopinni
- Belmore River
- Burnt Bridge
- Carrai
- Clybucca
- Collombatti
- Comara
- Corangula
- Crescent Head
- Deep Creek
- Dondingalong
- East Kempsey
- Euroka
- Frederickton
- Gladstone
- Greenhill
- Hampden Hall
- Hat Head
- Hickeys Creek
- Kempsey
- Kinchela
- Lower Creek
- Millbank
- Mooneba
- Moparrabah
- Mungay Creek
- Old Station
- Pola Creek
- Rainbow Reach
- Seven Oaks
- Sherwood
- Skillion Flat
- Smithtown
- South Kempsey
- Summer Island
- Temagog
- Toorooka
- Turners Flat
- Verges Creek
- West Kempsey
- Willawarrin
- Willi Willi
- Wittitrin
- Yarravel
- Yessabah
NDIS travel in MMM 4: check the NDIA pricing and claiming guidance for provider travel limits.
NDIS remote price-limit loading does not apply in MMM 4.
Rural programs that use MMM
Some rural health workforce programs, including the Workforce Incentive Program Doctor Stream and the HELP Debt Reduction for Rural Health Practitioners, refer to the Modified Monash Model. Each program sets its own categories, MMM edition and conditions, so check the program page before you rely on a classification.
Check your workplace address
Mesh Block assignment can differ within 2440. Use the address-level MMM checker before relying on the postcode summary.
Explore locum rate benchmarks and shift records for GPs.
Nearby postcodes
Sources
Modified Monash Model 2023 by Mesh Block 2021, Department of Health, Disability and Ageing, CC BY 2.5 AU, via data.gov.au. G-NAF address counts and locality details via the Sessional Addresses service. G-NAF release: AUG 2026 - Geoscape G-NAF - GDA2020. Latest split refresh: 10 November 2026.